The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,730
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,561
−HK$845/mo
Today · 4.125%
HK$28,406
baseline
▲ 0.50% · 4.625%
HK$30,134
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,812/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,737
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,534
−HK$809/mo
Today · 4.125%
HK$31,343
baseline
▲ 0.50% · 4.625%
HK$32,995
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,686/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,076
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,073
−HK$1,014/mo
Today · 4.125%
HK$34,087
baseline
▲ 0.50% · 4.625%
HK$36,161
+HK$2,074/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,174/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,684
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,641
−HK$971/mo
Today · 4.125%
HK$37,612
baseline
▲ 0.50% · 4.625%
HK$39,594
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,224/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,422
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,586
−HK$1,182/mo
Today · 4.125%
HK$39,768
baseline
▲ 0.50% · 4.625%
HK$42,188
+HK$2,420/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,536/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,631
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,748
−HK$1,132/mo
Today · 4.125%
HK$43,880
baseline
▲ 0.50% · 4.625%
HK$46,193
+HK$2,313/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,760/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,113
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,610
−HK$1,521/mo
Today · 4.125%
HK$51,131
baseline
▲ 0.50% · 4.625%
HK$54,242
+HK$3,111/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,262/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,526
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,961
−HK$1,457/mo
Today · 4.125%
HK$56,418
baseline
▲ 0.50% · 4.625%
HK$59,391
+HK$2,973/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,836/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,584 · Scale 2, in force from 26 Feb 2026)